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Hay makes a living as a chef, while his wife sells groceries out of their home. They have been married for 10 years and have four children -- one son and three daughters. Two are garment factory workers, one is in school and the fourth is not yet old enough to enroll in school. They live in a village that's located on National Road Number Two about fifteen kilometers outside of Phnom Penh City. Hay is applying for this loan to enlarge and remodel his house, because this will mean a much better life for his family. To make this possible, he is applying for a loan for $1,200. We see Hay and his wife in this photo.

Additional Information


MAXIMA Mikroheranhvatho is a Cambodian microfinance institution founded in 2000 to help low-income rural and urban people and small- to medium-sized businesses (SMEs) access financial services. Sustainable access to credit helps to create jobs and enables business owners improve their living conditions, educate their children, provide health care to their families, and more. It also enables the rural poor to remain at home with their families, rather than moving to city centers in search of employment.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 292
    View loans »
    Cambodia Loans Fundraising
  • $37,544,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Hay to enlarge and remodel his house.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
May 20, 2011
Jun 3, 2011
Currency Exchange Loss:
May 15, 2012